Key Highlights of Kotak 811 Credit Card

The key highlights of the Kotak 811 Credit Card include:

• Earn 5% cashback on online shopping.
• 3% cashback on utility bill payments.
• No annual fee with a minimum spend of Rs. 1 Lakh per year.
• Exclusive discounts on partner brands.
• Access to instant credit limit upon account approval.

Features & Benefits of Kotak 811 Credit Card

Explore the standout features of the Kotak 811 Credit Card:

Welcome Benefits

• Receive 1,000 reward points as a welcome gift upon payment of the joining fee.

Cashback Program

• Earn 5% cashback on online shopping.
• 3% cashback on utility bill payments and 1% on all other spends.

Lifestyle Benefits

• Enjoy exclusive discounts at select restaurants and retail partners.
• Access to special offers and promotions throughout the year.

Kotak 811 Credit Card Fees & Charges

• Joining Fee: None
• Annual Fee: Waived on yearly spends of Rs. 1 Lakh.
• Interest charges on outstanding balances: 3.50% (42% p.a.)
• Cash advance fee: Rs. 300 per Rs. 10,000.
• Foreign currency markup: 3.5%

Eligibility for Kotak 811 Credit Card

• Primary cardholders must be aged 21–65 years.
• Annual income should be Rs. 3 Lakhs or above.

Documents Required

• Proof of identity: PAN Card, Aadhaar, Passport, etc.
• Proof of address: Aadhaar, Utility Bill, Passport, etc.
• Proof of income: Salary slips, Form 16, bank statements.

Reward Redemption

• Redeem cashback for vouchers, shopping, and more.

How to Apply for Kotak 811 Credit Card?

• Visit the Kotak Mahindra website, fill out the application form, and submit your details.
• A bank representative will contact you for document verification and further process.